FMC HARVESTING LTD.
- · Oldest live charge 16.8y old — refinance window within 12 months
Opportunity 72/100 (strong), bankability 55/100. Strong seller-intent signal (78/100, director aged 68). Share purchase looks the cleaner deal structure. Biggest value-creation lever: File overdue accounts. Clears statutory overdue flag — immediate bankability uplift for refinance conversations. Most likely exit: share sale to pe / searcher (45/100).
Refinance opportunity
2 live charges · 2 lenders · oldest 16.8y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 16.8 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (76/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-03-31 | 2023-03-31 |
|---|---|---|
| Average employees | 100 | 200 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Corporate timeline (27 events)Click to expand
- 2025-02-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-01-29🔒Charge registered #2Lender: Clydesdale Bank PLC (Trading as Virgin Money) (Company Number SC001111)
- 2024-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-04📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-07-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-10-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-12-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-12-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-12-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-10-03📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-04-28📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-08-19📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-04-30📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2014-07-31📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2011-04-06➕MCMARTIN, Elaine appointeddirector
- 2009-07-24🔒Charge registered #1Lender: Clydesdale Bank PLC
- 2006-04-05🏢Company incorporatedAs FMC HARVESTING LTD.
- 2006-04-05➕MCMARTIN, Elaine appointedsecretary
- 2006-04-05➕MCMARTIN, Finlay appointeddirector
- 2006-04-05➕PETER TRAINER COMPANY SECRETARIES LTD. appointedcorporate-nominee-secretary
- 2006-04-05➖PETER TRAINER COMPANY SECRETARIES LTD. resignedcorporate-nominee-secretary
- 2006-04-05➕PETER TRAINER COMPANY SECRETARIES LTD. appointedcorporate-nominee-director
- 2006-04-05➖PETER TRAINER COMPANY SECRETARIES LTD. resignedcorporate-nominee-director
- 2006-04-05➕PETER TRAINER CORPORATE SERVICES LTD. appointedcorporate-nominee-director
- 2006-04-05➖PETER TRAINER CORPORATE SERVICES LTD. resignedcorporate-nominee-director
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 20 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 68 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 20 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 20 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
1 high ·Statutory accounts have not been filed by their due date. Can indicate admin breakdown, cash preservation, or deliberate delay.
Evidence: Next due: 2025-12-31
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Finlay Hugh Mcmartin Individual · British · DOB 06/1967 · age 59 | — | — | sig. influencesignificant influence · firm interest | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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9 specific questions generated from this company's actual signals — liquidity, leverage, director age, charge count, red flags, age-of-company.
Available from the Pro tier upwards.
See pricing →Exit-route ranking, improvement thesis, quiet-distress detector, covenant-pressure proxy, extraction monitor, approaching triggers, ownership drift, local cluster, value trap, debt capacity, archetype classification — 48+ scoring modules.
Available from the Pro tier upwards.
See pricing →Company details
Registered office
Filing status
Officers (3 active · 3 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Virgin Money Clydesdale Bank PLC (Trading as Virgin Money) (Company Number SC001111) | A registered charge | — | 29/01/2025 | — | |
| outstanding | Virgin Money Clydesdale Bank PLC | Floating charge | 1 property | 24/07/2009 | — |